BUSINESS CHECKING
............From basic checking to checking plus sophisticated treasury management services, you’ll find a business account that gives you exactly what you need.
Commercial All Access
For high-balance users with extensive treasury management needs.
- Monthly fee: $20
- Access to full suite of advanced Treasury Management Services
- Enhanced earnings credit rate to offset fees
Business Plus
For moderately high-balance users with some treasury management needs.
- Monthly fee: $0 with $25,000 balance, $15 otherwise
- Access to basic Treasury Management Services
Business Interest
The ideal choice for trusts and nonprofits.
- Monthly fee: $0 – $20 depending on conditions (see full comparison for details)
- Interest on balances over $5,000
- Access to Business Online Services (BOS) available
Business Basics
For low-volume users with no treasury management needs.
- Monthly fee: $0 – $10 depending on conditions (see full comparison for details)
- Access to Business Online Services (BOS) available
 |  |  |  | |
|---|---|---|---|---|
| __ | Commercial All Access | Business Plus | Business Interest | Business BasicsAPPLY |
| Best for you if your business has... | High balances, high volumes, and sophisticated Treasury Management needs | Moderately high balances and volumes, some Treasury Management needs | Basic banking needs, no Treasury Management needs, a desire to earn interest; Ideal for trust and non-profits | Basic banking needs, lower volumes, and no Treasury Management needs |
| Interest | None; Sweeps available1 | None; Sweeps available1 | Yes; Flat rate when balances exceed $5,000 | __ |
| Treasury Management Services | Access to full suite of advanced services | Access to basic services | __ | __ |
| Online Banking | Business Online Services (BOS) for Treasury | Business Online Services (BOS) for Treasury | Business Online Services (BOS) available | Business Online Services (BOS) available |
| Monthly Online Bill Payments | Speak with a PlainsCapital Bank Treasury Management representative for more information. | 10 at no charge2 | 10 at no charge2 | 10 at no charge2 |
| Per Item Monthly Allowance | Speak with a PlainsCapital Bank Treasury Management representative for more information. | 250 deposited items, unlimited debit card transactions, 250 non-card transactions, $10,000 cash deposited3 | 100 deposited items, unlimited debit card transactions, 100 non-card transactions, $5,000 cash deposited4 | 150 deposited items, unlimited debit card transactions, 150 non-card transactions, $5,000 cash deposited4 |
| Monthly Change Order Allowances | Speak with a PlainsCapital Bank Treasury Management representative for more information. | $10,000 currency and 10 coin rolls at no charge5 | 5,000 currency and 5 coin rolls at no charge6 | $5,000 currency and 5 coin rolls at no charge6 |
| Minimum Opening Deposit | $100 | $100 | $100 | $100 |
| Monthly Fee | $20 | $15 | $20 | $10 |
| Balance to Avoid Monthly Fee | __ | $25,000 | $5,000 average daily balance or combined balance of $25,000 with business money market | $3,000 average daily balance or combined balance of $25,000 with business money market |
| Earnings Credit to Offset Fees | Enhanced earnings credit rate | Included | __ | __ |
1Sweep fees apply. Not FDIC-Insured. May lose value. No bank guarantee.
2Each additional bill payment or external transfer is $1.
3The fee for each additional: deposited item is $0.15; non-card transaction is $0.50; $1,000 in cash deposited is $1.25.
4The fee for each additional: deposited item is $0.20; non-card transaction is $0.50; $1,000 in cash deposited is $1.
5Each additional $1,000 in currency beyond the monthly allowance is $1.00. Each additional coin roll beyond the monthly allowance is $0.10.
6Each additional $1,000 in currency beyond the monthly allowance is $0.50. Each additional coin roll beyond the monthly allowance is $0.08.